Buying Your First Home - Watch Out! Family Articles | August 17 Wholesale Team Russia Jerseys , 2007 If you are buying your first home, there are people who will help you get into all types of trouble. Well, mostly it is one type of trouble: financial. Here are some examples. Watch Out For Real Esta...
If you are buying your first home, there are people who will help you get into all types of trouble. Well, mostly it is one type of trouble: financial. Here are some examples.
Watch Out For Real Estate Agents
You might think that real estate agents would love first-time home buyers Wholesale Russia Jerseys , since they can influence them and make a sale more easily. In reality, though, many people are very hesitant to make a decision when they buy their first home. It will be the single biggest purchase they have made in their lives, after all, so they want to take their time and see a lot of houses. Meanwhile Cheap Team Russia Jerseys , the agent just wants a sale.
Don't be pushed to make a fast decision. It may be true that a particular house is "not going to last long," or it may just be something an agent says. Either way, their are other homes, and you need time to get a feel for what is available and at what prices. This education is crucial, and comes primarily from looking at a lot of homes.
The agent is not necessarily looking out for your best interest Cheap Russia Jerseys , by the way. Unless you hired him to represent you, he works for the seller and is even obligated to pass on any relevant comments you make, like "we can go higher on the offer if necessary." Keep quiet, and remember that the agent is a sales person, whose primary concern is to sell something.
Watch Out For Mortgage Lenders
When you are buying you first home Ivan Telegin Russia Jersey , you are also buying your first mortgage loan. Lenders will be so helpful. For example, they will help you afford a loan that is too large by offering you a variable-rate loan with a low teaser rate. Of course they won't help the hundreds of thousands of families that are now facing foreclosure because those payments went up when the teaser rate period was over.
Variable rate, interest only, and even reverse-amortization loans (where you owe more each year) have all been "helpfully" pushed on first-time buyers who are trying to buy more than they can afford. You are told that buying a home is the best thing you can do. Sometimes this is true, but it never is if you can't hold onto that home. If you really can't afford a home Vladimir Tarasenko Russia Jersey , a smaller home with a smaller mortgage loan is better - and if you can't afford that, renting is actually the best thing you can do.
Look at the worst-case scenario when considering a loan. For example, if you are considering a variable rate loan, ask what the payment will be if interest rates go up 5% years later. Will you be able to comfortably afford that? The banker may helpfully point out that the rate is capped at a 2% rise per year, but that just means the day of reckoning is postponed a little. In three years you could be paying almost $6 Vadim Shipachyov Russia Jersey ,000 more per year on that $200,000 loan.
Watch Out For Family And Friends
The best intentions of friends and family can get you into trouble. When you are buying your first home you will get advice. Sometimes it will be good advice. Other times it will be a friend trying to get you to move to his neighborhood - the one you can't afford. Family too can push you to buy before you are ready, or spend too much. They don't always know what is best for you, so do your own thinking, buy what YOU need Artemi Panarin Russia Jersey , and buy a home you can afford.
Article Tags: First Home, Can't Afford
Even Temporary Business Signs Work Harder When They are in Color Business Articles | December 20, 2011 Most business owners are concerned with the look of their permanent signs.? However, temporary signs can be useful for a range of reasons.? You may find yourself using one until your permanent sign is ready for installation, or you can even use one to announce a sale you are currently holding.
Most business owners are concerned with the look of their permanent signs.? However Alexander Ovechkin Russia Jersey , temporary signs can be useful for a range of reasons.? You may find yourself using one until your permanent sign is ready for installation, or you can even use one to announce a sale you are currently holding.
Just because you have a temporary business sign does not mean you have to use a basic one.? Your sign will do its job much better if you make the decision to use color.
When it comes to temporary business signs using banners is a great option.? They are not expensive at all so you will have little hesitation when ordering one.? You will also find they are very easy to setup.? Banners can be made from a wide range of materials to act as your temporary business sign.? Of course, you will have many color options to choose from to make it a bit flashier and draw more attention.
Using a banner as a temporary business sign gives you an array of placement options.? Consider getting a large and colorful banner to hang from the exterior wall of your building.? Smaller banners designed to hang inside your window make great choices as well.
Placing colorful signs on one of your company's vehicles can also be a great temporary solution.? You can choose to get a vehicle wrap and later use it as mobile advertising.? An alternative is to simply put a banner on the side of the vehicle while it is parked out front of your location.
It is important for business owners to take advantage of all of the real estate they have at their disposal.? Therefore hanging signs in exterior windows is a good idea.? You could use a banner as mentioned earlier, but this is not the only solution.
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